Moving business insurance averages $163 monthly, with costs ranging from $214 to $225 based on coverage types and location factors.
Get matched with cheap moving business insurance below.
Updated: March 17, 2026
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Moving business insurance costs range from $2,568 to $2,698 annually on average, depending on your coverage type, state and sub-industry.
Your moving insurance premiums depend on location, claims history, services offered and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable moving business insurance costs.
We found average business insurance costs for moving companies for commonly needed coverage are as follows:
| BOP | $183 | $2,194 |
| General Liability | $125 | $1,499 |
| Professional Liability (E&O) | $82 | $981 |
| Workers' Comp | $261 | $3,138 |
*We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability insurance for moving businesses varies by location. Maine has the lowest rates at $108 monthly, well below the $125 national average. Louisiana costs the most at $145 monthly.
| Alabama | $122 | $1,464 |
| Alaska | $119 | $1,422 |
| Arizona | $118 | $1,418 |
| Arkansas | $120 | $1,435 |
| California | $139 | $1,666 |
| Colorado | $124 | $1,483 |
| Connecticut | $135 | $1,625 |
| Delaware | $134 | $1,604 |
| Florida | $135 | $1,619 |
| Georgia | $127 | $1,520 |
| Hawaii | $138 | $1,659 |
| Idaho | $118 | $1,418 |
| Illinois | $137 | $1,642 |
| Indiana | $122 | $1,459 |
| Iowa | $119 | $1,424 |
| Kansas | $121 | $1,453 |
| Kentucky | $116 | $1,390 |
| Louisiana | $145 | $1,744 |
| Maine | $108 | $1,296 |
| Maryland | $119 | $1,427 |
| Massachusetts | $131 | $1,569 |
| Michigan | $118 | $1,417 |
| Minnesota | $117 | $1,403 |
| Mississippi | $125 | $1,503 |
| Missouri | $123 | $1,476 |
| Montana | $124 | $1,489 |
| Nebraska | $118 | $1,415 |
| Nevada | $141 | $1,697 |
| New Hampshire | $124 | $1,488 |
| New Jersey | $141 | $1,695 |
| New Mexico | $125 | $1,504 |
| New York | $145 | $1,737 |
| North Carolina | $108 | $1,296 |
| North Dakota | $108 | $1,300 |
| Ohio | $116 | $1,388 |
| Oklahoma | $121 | $1,456 |
| Oregon | $116 | $1,389 |
| Pennsylvania | $144 | $1,724 |
| Rhode Island | $137 | $1,643 |
| South Carolina | $128 | $1,541 |
| South Dakota | $117 | $1,399 |
| Tennessee | $122 | $1,459 |
| Texas | $126 | $1,509 |
| Utah | $119 | $1,424 |
| Vermont | $120 | $1,436 |
| Virginia | $114 | $1,362 |
| Washington | $142 | $1,701 |
| West Virginia | $131 | $1,569 |
| Wisconsin | $122 | $1,468 |
| Wyoming | $115 | $1,383 |
*We based these general liability rates on moving businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of services you provide.
Workers' compensation insurance for moving businesses varies by state. North Carolina has the lowest rates at $224 monthly, while New York costs $302 monthly. State regulations and claim histories drive these price differences.
| Alabama | $256 |
| Alaska | $238 |
| Arizona | $247 |
| Arkansas | $251 |
| California | $289 |
| Colorado | $260 |
| Connecticut | $281 |
| Delaware | $281 |
| Florida | $282 |
| Georgia | $266 |
| Hawaii | $276 |
| Idaho | $247 |
| Illinois | $284 |
| Indiana | $255 |
| Iowa | $247 |
| Kansas | $254 |
| Kentucky | $246 |
| Louisiana | $299 |
| Maine | $229 |
| Maryland | $249 |
| Massachusetts | $276 |
| Michigan | $249 |
| Minnesota | $246 |
| Mississippi | $262 |
| Missouri | $257 |
| Montana | $257 |
| Nebraska | $248 |
| Nevada | $300 |
| New Hampshire | $259 |
| New Jersey | $297 |
| New Mexico | $262 |
| New York | $302 |
| North Carolina | $225 |
| Oklahoma | $244 |
| Oregon | $241 |
| Pennsylvania | $300 |
| Rhode Island | $285 |
| South Carolina | $269 |
| South Dakota | $243 |
| Tennessee | $255 |
| Texas | $262 |
| Utah | $250 |
| Vermont | $254 |
| Virginia | $236 |
| West Virginia | $271 |
| Wisconsin | $257 |
*We based these workers' comp rates on moving businesses with two employees across different states. Your requirements and costs will vary by state.
Professional liability costs $82 monthly nationwide. North Carolina has the lowest rate at $70 monthly; Washington has the highest at $96 monthly. Your actual rates depend on your services and location.
| Alabama | $82 |
| Alaska | $76 |
| Arizona | $78 |
| Arkansas | $80 |
| California | $93 |
| Colorado | $81 |
| Connecticut | $89 |
| Delaware | $88 |
| Florida | $88 |
| Georgia | $83 |
| Hawaii | $85 |
| Idaho | $78 |
| Illinois | $91 |
| Indiana | $79 |
| Iowa | $78 |
| Kansas | $79 |
| Kentucky | $77 |
| Louisiana | $91 |
| Maine | $71 |
| Maryland | $78 |
| Massachusetts | $86 |
| Michigan | $77 |
| Minnesota | $78 |
| Mississippi | $83 |
| Missouri | $81 |
| Montana | $82 |
| Nebraska | $78 |
| Nevada | $92 |
| New Hampshire | $81 |
| New Jersey | $91 |
| New Mexico | $82 |
| New York | $94 |
| North Carolina | $70 |
| North Dakota | $71 |
| Ohio | $75 |
| Oklahoma | $76 |
| Oregon | $76 |
| Pennsylvania | $92 |
| Rhode Island | $89 |
| South Carolina | $85 |
| South Dakota | $76 |
| Tennessee | $80 |
| Texas | $82 |
| Utah | $76 |
| Vermont | $78 |
| Virginia | $74 |
| Washington | $96 |
| West Virginia | $86 |
| Wisconsin | $81 |
| Wyoming | $75 |
*We based these professional liability rates on moving businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your state's business owner's policy (BOP) requirements drive the biggest cost differences in moving business insurance. BOP insurance costs range from $157 in North Carolina to $214 in New York for the same coverage level.
| Alabama | $178 |
| Alaska | $175 |
| Arizona | $174 |
| Arkansas | $174 |
| California | $205 |
| Colorado | $184 |
| Connecticut | $198 |
| Delaware | $193 |
| Florida | $196 |
| Georgia | $185 |
| Hawaii | $205 |
| Idaho | $173 |
| Illinois | $200 |
| Indiana | $178 |
| Iowa | $171 |
| Kansas | $178 |
| Kentucky | $165 |
| Louisiana | $214 |
| Maine | $160 |
| Maryland | $174 |
| Massachusetts | $193 |
| Michigan | $172 |
| Minnesota | $171 |
| Mississippi | $184 |
| Missouri | $181 |
| Montana | $182 |
| Nebraska | $172 |
| Nevada | $211 |
| New Hampshire | $178 |
| New Jersey | $207 |
| New Mexico | $183 |
| New York | $214 |
| North Carolina | $157 |
| North Dakota | $160 |
| Ohio | $170 |
| Oklahoma | $180 |
| Oregon | $170 |
| Pennsylvania | $211 |
| Rhode Island | $196 |
| South Carolina | $187 |
| South Dakota | $172 |
| Tennessee | $178 |
| Texas | $181 |
| Utah | $174 |
| Vermont | $173 |
| Virginia | $164 |
| Washington | $211 |
| West Virginia | $195 |
| Wisconsin | $175 |
| Wyoming | $172 |
*We based these BOP rates on moving businesses with two employees across different states. Your actual rates will vary based on your business size, location and coverage needs.
Moving company business insurance costs $136 to $192 monthly, depending on the provider. Insurers price coverage differently based on the business types they specialize in and their own claims history with moving companies.
| Chubb | $192 | $2,308 |
| Coverdash | $165 | $1,978 |
| ERGO NEXT | $140 | $1,674 |
| Hiscox | $167 | $2,001 |
| Nationwide | $145 | $1,739 |
| Progressive Commercial | $159 | $1,906 |
| Simply Business | $156 | $1,872 |
| The Hartford | $136 | $1,635 |
| Thimble | $165 | $1,980 |
| biBERK | $182 | $2,184 |
Moving business insurance costs depend on multiple factors that insurers assess when determining your policy rates:
Your service area directly affects your insurance costs. Moving companies in congested cities or mountainous regions pay more than those working in flat suburban markets, where road conditions and accident rates are lower.
Damaged furniture and worker injuries push your premiums up for years. Claims from broken heirlooms, vehicle accidents or back injuries sustained while carrying appliances can elevate your rates for years afterward.
Local residential moves within the same city carry lower risk and lower premiums. Long-distance interstate relocations or commercial office moves with expensive IT equipment cost significantly more to insure.
Heavy lifting makes workers' compensation a major cost for moving businesses. Each mover you hire increases your payroll base, and insurers price coverage based on those wage totals plus the high-risk classification codes for this work.
Basic loading and transport represent the core of moving operations. Expand into packing services, storage solutions or handling specialty items like pianos and antiques, and you're adding layers of liability that push premiums upward.
Job frequency and gross receipts tell insurers about your operational scale. Small outfits doing occasional weekend moves for $65,000 annually sit in completely different underwriting brackets than established companies running daily routes and earning $450,000.
Cargo liability covers losses for customer belongings in transit, with limits varying based on typical shipment values. Moving high-end households or commercial contents requires substantially more coverage than standard residential relocations, driving up monthly costs.
Moving trucks, dollies, straps and protective materials all need proper coverage against loss or damage. Companies operating newer box trucks with hydraulic lifts and GPS tracking invest more in equipment, requiring proportionally higher property insurance.
Financial reliability matters when insurers assess moving companies given the potential for customer disputes. Solid credit helps you get competitive rates, while credit problems may trigger surcharges or require larger deposits upfront.
Lowering your moving business insurance costs takes planning. Follow these steps to cut your premium while keeping the coverage your business needs.
Moving companies need commercial auto for trucks and cargo vans, cargo liability for customer belongings in transit and general liability for property damage when moving furniture through doorways and stairwells.
Add workers' compensation for back injuries and lifting strain, bailee's coverage for items in your warehouse, garage keepers liability if you store vehicles, and Federal Motor Carrier Authority coverage if you operate interstate moves.
Moving insurance rates vary based on whether you handle local residential moves, long-distance relocations, commercial office moves or high-value specialty items like pianos and antiques.
Transportation-focused carriers understand DOT requirements and released value liability better than general insurers.
Combining commercial auto, cargo liability and general liability saves 18% to 26% compared to buying each policy separately. Many transportation insurers offer moving company packages that include warehouse and bailee's coverage at reduced bundle rates.
Higher vehicle deductibles of $1,000 to $2,500 can reduce premiums by 22% to 30%, but moving trucks pick up minor damage from tight spaces and loading docks fairly often. Keep cargo liability deductibles low since furniture damage claims happen regularly, even with careful handling.
Monthly payment plans add 6% to 11% in installment charges, which, on a $10,000 moving policy, cost $600 to $1,100 extra annually. Paying upfront removes these fees and earns 5% to 9% discounts from transportation carriers.
Review your policy whenever you add trucks or movers, expand into interstate operations requiring FMCSA registration or start offering packing services and storage facilities. If you've implemented GPS tracking, dash cams, safety training programs or obtained additional DOT certifications, these improvements can qualify for premium discounts.
Moving business insurance costs between $214 and $225 per month, though your actual premium depends on your location, business size and claims history. You can often lower your costs by comparing quotes from several insurers, bundling policies, selecting higher deductibles and opting for annual payments instead of monthly ones.
Moving business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability coverage is the cheapest at $82 monthly, but it only covers errors and omissions. Most moving companies need general liability coverage ($125 monthly) since it covers costs from customer injuries and property damage during relocations.
General liability in California costs $139 monthly ($14 more than the $125 national average), and BOP runs $205 monthly versus the $183 average. New York's rates are close: $145 for general liability and $214 for BOP.
Bundling your moving business insurance policies saves money. Carriers discount your premium when you package general liability, commercial auto and commercial property coverage together.
Your premiums go up when you have expensive trucks and equipment, multiple employees, high-crime service areas, poor safety records, limited experience or prior claims. Improving in any of these areas can reduce your costs.
A higher deductible lowers your monthly premium but raises your out-of-pocket costs at claim time. If your business keeps healthy cash reserves and rarely files claims, the $2,500 deductible saves you money. If cash flow is tight, the $500 option gives you more predictable costs when something goes wrong.
Workers' compensation costs for moving businesses range from $224 per month in North Carolina to $302 per month in New York.
Yes, a BOP is worth it for moving companies. At $183 monthly, it bundles general liability, commercial property and business interruption coverage — usually cheaper than buying each policy separately and easier to manage.
Shop for quotes annually when your policy renews. Compare at least three insurers, especially after adding employees or expanding your services.
We collected moving business insurance quotes across different states. Every quote used the same business setup:
We used a typical small moving business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the moving industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
